Side-by-side · Q2 2026 data
CNB Bank vs Financial Security Credit Union
Credit union
Financial Security Credit Union
Carlsbad, New Mexico · Under $100 million in assets
Metric by metric
| Measure | CNB Bank | Financial Security Credit Union |
|---|---|---|
| TellerScore | 75 | 81 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 97 (stronger) | 77 |
| Earnings | 100 (stronger) | 58 |
| Funding & liquidity | 48 | 71 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 77th | 68th |
| Total assets | $1.1B | $63.6M |
| Deposits / shares | $969.7M | $52.8M |
| Capital ratio | 9.73% | 16.62% (stronger) |
| Problem loans | 0.09% (stronger) | 0.69% |
| Net charge-offs | -0.00% | -0.01% (stronger) |
| Return on assets | 2.16% (stronger) | 0.96% |
| Loans ÷ deposits | 82.2% (stronger) | 88.9% |
| Uninsured deposits | 42.5% | 6.4% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Financial Security Credit Union has the higher TellerScore (81 vs 75). On the 7 directional measures above (where higher or lower is clearly better), CNB Bank leads on 3 and Financial Security Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.